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Back-to-school shopping is an expensive chore in a normal year; this year is anything but normal. But with August upon us, stores are putting out back-to-school displays in anticipation of children needing to learn, whether in the classroom or at home.Two-fifths (40%) of parents with children in K-12 or college anticipate their children will be attending classes in a hybrid environment (both in-person and remote) in the fall of 2020, according to a new NerdWallet survey conducted online July 16-20 by The Harris Poll among over 600 parents. Planning for multiple scenarios could result in the need for increased back-to-school spending, but many may not have the extra money this year.Nearly half (47%) of parents expect they’ll spend less on back-to-school shopping than they otherwise would, due to the coronavirus pandemic, according to the survey. Of them, 40% say it’s because their household income has been affected by the pandemic and related economic effects.On the other hand, one-fifth (20%) of parents expect to spend more this year on back-to-school purchases than they otherwise would, due to the pandemic. Of them, 54% think they’ll be spending more to outfit a home learning environment, and 50% will be spending more to account for supplies for both in-person and at-home learning.“Saving on back-to-school shopping takes some strategizing in a normal school year, but this year poses unique challenges: Not only is it harder to know what students might need, but many families are eyeing big purchases to make remote learning easier, including electronics and desks,” says Kimberly Palmer, personal finance expert at NerdWallet. “At the same time, many families have less room in their budget to make new purchases because of the pandemic.”1. Shop for the short termWhether you’re spending less this year out of necessity or you’re anticipating having to spend more: Buy only what you need. If 2020 has taught us anything, it’s that well-laid plans can change. So purchase what you need to get the school year started and plan to supplement those purchases as the semester unfolds. You may find that some items get less expensive as the seasons change.“Unless you have your eye on a specific type of computer or another item that could sell out, it’s OK to wait to make your purchases until after the school year begins — in fact, that’s when you see many of the best deals,” Palmer says.2. Take advantage of credit card rewardsMore than half (53%) of parents who will back-to-school shop this year plan to use a credit card on those purchases, according to the survey. Putting your expenses on a cash-back credit card could put your money to work for you. You may even reap enough to cover next year’s back-to-school expenses entirely. Just make sure you’re able to pay off the balance each cycle, as interest can quickly negate any benefits.3. Check prices before and after shoppingPrice matching involves comparing identical items at other stores and asking a retailer to match a lower price. The trick may not make sense for a package of pencils, but for clothing, electronics and other higher-dollar items, a successful price match could save you tens of dollars, if not more.Check a retailer’s website for its price matching policy details. Many will also refund the price difference if you spot a cheaper price within a certain time frame after the purchase.4. Team up to buy in bulkRegardless of where your child is learning this fall, they’ll need supplies that other students are also after. By teaming up with other parents, you can purchase things like hand sanitizer and supplies for homework and note-taking in bulk. If your child’s teacher is reluctant to give out parents’ contact information, ask if they would send out yours in a group email so other parents can reach you if they’re interested in group savings.“With many parents focused on at-home learning, you can also find savings by teaming up with other families in your neighborhood on purchases,” Palmer says. “Some communities are forming ‘pandemic pods’ to share the burden of teaching at home and keep kids socialized — pooling school supplies across the pod can spread the expenses and make them more manageable.”5. Shop on tax-free holidaysSixteen states are having sales tax holidays in August 2020. Most of them last through a full weekend, and some even longer. Retailers that offer online ordering for in-store pickup may require you to order and pick up on those particular days to reap the tax-free benefits. The specifics of each state’s holiday vary, but generally, they allow you to purchase certain back-to-school items without paying sales tax.6. Practice and teach thriftinessIf money is very tight, your child might be able to reuse some of last year’s supplies such as their backpack or leftover pencils and notebooks. You can also shop secondhand on sites like Poshmark or thredUP for clothing throughout the school year. And don’t be afraid to ask for help — many schools are putting programs in place that help outfit homes with the technology needed for remote learning.If your child isn’t accustomed to having to make sacrifices like this, use them as a teachable moment. Older kids can learn the complexities of managing a budget, a tool they’ll need in adulthood, and younger ones can learn what saving money means and help you search for the lowest prices.“Some communities are also organizing online volunteer opportunities for high schoolers to help match up with elementary school children who need extra help, which can be a great way to provide learning opportunities to both age groups in a safe, free way,” Palmer adds. “This school year will be unlike any other, which means parents and children will have to get more creative with stretching their back-to-school budgets.”More From NerdWalletWhat to Know Before Laying Down Money for a MattressWhat to Buy (and Skip) in FebruaryHere’s When Everything Will Go on Sale in 2020Elizabeth Renter is a writer at NerdWallet. Email: elizabeth@nerdwallet.com. Twitter: @elizabethrenter. 6071

As White House advisers and congressional leaders spar over the next round of stimulus funds, President Donald Trump said on Tuesday that he still has some issues with the Senate GOP's proposal released yesterday.On the mind of so many Americans are stimulus checks, unemployment and the return to school.But when asked specifically what he disagreed with, Trump punted. Despite a Trump administration push for the return of in-person learning, a number of school districts across the US have announced plans to begin the 2020-21 school year virtually. On Tuesday, Ohio’s largest district Columbus City Schools said they will start the year off virtually.Trump has said that federal funds should only go to schools that are open.Meanwhile, the next round of stimulus is being debated on Capitol Hill. While it appears there is agreement between the White House, House Democrats and Senate Republicans on providing a second round of ,200 checks for most Americans, there is intense debate on unemployment. Last week, millions of unemployed Americans stopped receiving a 0 weekly supplement to unemployment checks. Those checks were in addition to state unemployment payments.With those payments no longer being received by Americans, there are questions on the state of the economy given an unemployment rate of 11.1 percent – nearly three times higher than at the start of the year.HIGHLIGHTS OF THE ACT:- ,200 stimulus checks for the same group of Americans who received a check in the spring- 6 billion in funds for schools to hire staff and conduct social distancing- Replenishing the Paycheck Protection Program, intended to help businesses keep employees on payroll- Extending unemployment supplement, although at a lower amount- Liability protection for businesses reopening amid the pandemic 1816

At least eight members of the same family were among the 26 people killed Sunday when a man armed with a rifle burst into the sanctuary of a church in Texas and started firing.The mass shooting left about 20 others wounded at the First Baptist Church in Sutherland Springs, about 30 miles east of San Antonio.The massacre killed about 4% of the small town's population. And no one at the church was left unscathed, Wilson County Sheriff Joe Tackitt said."I think nearly everyone had some type of injury," the sheriff told reporters Monday.Texas Gov. Greg Abbott called the slaughter "the largest mass shooting" in the state's history. But it's still unclear what motivated the killer.Latest developments-- The killer had in-laws who attended the church, but they were not present at the time of the massacre, the sheriff said.-- The shooter was first shot by an armed resident who confronted the gunman outside the church. The suspect then turned the gun on himself, authorities said. He was dressed in all-black tactical gear, including a ballistic vest, and was later found dead in his vehicle.-- The victims ranged in age from 5 to 72 years old, said Freeman Martin, a regional director with the Texas Department of Public Safety. The visiting pastor was among those killed, Tackitt said.-- The 14-year-old daughter of the church's regular pastor was among those killed, said Sherri Pomeroy, the girl's mother. Her parents were traveling out of state when the shooting occurred.-- At least eight of the people killed were members of one family, according to a relative and a community leader. Those relatives span three generations and include a woman who was about five months pregnant and three of her children.-- A witness told CNN affiliate KSAT that he and the armed resident pursued the gunman in a car chase for about 11 miles.-- Speaking from Japan, President Donald Trump expressed condolences for the victims during a Monday news conference and said he believes the shooting was caused by a "mental health problem," not an issue with US gun laws.Who was the shooter?The gunman has been identified as 26-year-old Devin Patrick Kelley, according to two law enforcement sources who have been briefed on the investigation.But police have not officially named Kelley as the shooter. They described the gunman as a white man in his 20s. Authorities have not said what the motive was.Kelley was a member of the US Air Force and served at Holloman Air Force Base in New Mexico from 2010 until his discharge, according to Air Force spokeswoman Ann Stefanek.He was court-martialed in 2012 for assault on his spouse and assault on their child, according to Stefanek. He served a year in confinement, received a bad conduct discharge and had his rank reduced, she said.In April 2016, Kelley purchased the Ruger AR-556 rifle he allegedly used in the shooting from a store in San Antonio, Texas, a law enforcement official said. There was no disqualifying information in the background check conducted as required for the purchase, a law enforcement official told CNN.At one point, the shooter tried to get a license to carry a gun in Texas but was denied by the state, Abbott said, citing the director of Texas' Department of Public Safety."So how was it that he was able to get a gun? By all the facts that we seem to know, he was not supposed to have access to a gun," Abbott said. "So how did this happen?"How the attack unfoldedThe gunman was first spotted at a Valero gas station across the street from the church at about 11:20 a.m. (12:20 p.m. ET).He drove across the street, got out and began firing even before he entered the church, Martin said.David Flores told CNN that his father saw the shooter."My dad saw the gunman run into the church building and then he heard shots and saw people running," Flores told CNN. "People covered in blood and screaming. It was pandemonium everywhere."As the shooter left the church, a local resident used his own rifle to engage him, Martin said. The gunman dropped his weapon and fled.Johnnie Langendorff said he was driving to his girlfriend's house when he saw the shootout between the shooter and the armed resident.The gunman took off in a Ford Explorer, Langendorff told CNN affiliate KSAT.The resident "briefed me quickly on what had just happened and said we had to get him, and so that's what I did," Langendorff said.They gave chase in his truck and called police. As they sped after him, Langendorff said, the shooter "eventually lost control on his own and went off into the ditch" in neighboring Guadalupe County."The gentleman that was with me got out and rested his rifle on my hood and kept it aimed at him [shooter], telling him to get out. There was no movement, there was none of that. I just know his brake lights were going on and off, so he might've been unconscious from the crash or something like that. I'm not sure."Law enforcement later found the suspect dead of a gunshot wound inside his vehicle.A law enforcement official briefed on the investigation said multiple weapons were found in the shooter's car. The FBI and the Bureau of Alcohol, Tobacco, Firearms and Explosives are involved in the investigation.The victims and griefHours after the shooting, residents of Sutherland Springs hugged one another, held candles and sang hymns in a vigil Sunday night. Abbott attended the event, in which faith leaders offered words of solace and prayers.Sutherland Springs is the kind of place where "everybody knows everybody," said Gloria Rodriguez Ximenez, who attended the vigil."This is a small, Christian town, a very small community," she said. "Everybody's united. Everybody's so close to everybody."She knows the First Baptist Church's pastor and his family, including their daughter who died."I can feel the pain everybody's going through. There's so much hurt for a small town," Ximenez said.Others echoed the feeling of shock and heartache."My heart is broken," Wilson County Commissioner Albert Gamez Jr. told CNN. "We never think where it can happen, and it does happen. It doesn't matter where you're at. In a small community, real quiet and everything, and look at this."Twenty-three people died inside the church, which has a small sanctuary with wooden pews and red carpeting. Two died outside the church, and one at the hospital.The wounded are being treated at three hospitals including the Connally Memorial Medical Center in Floresville, University Hospital and Brooke Army Medical Center in San Antonio.The-CNN-Wire 6515

As some companies consider making work-from-home permanent, others see the value in creating a workplace for employees. "We've always been flexible in our workplace, we've always allowed people to work from home if they want, and what we learned is that people do want a place that is their own that we can come into," said Reid Carr, CEO of the marketing agency Red Door Interactive. After years of leasing an office in downtown San Diego, the company wanted to create its own space, designed to foster collaboration and growth."We were excited when we found it, we had a vision for how this whole process was going to go down," said Carr. The company purchased nearly half an acre of property to create a campus-style workplace. But after the pandemic hit, they overhauled the design to ensure it was a space employees not only wanted to go to but could feel safe in.The new campus will incorporate touchless features throughout the buildings, like doors and water bottle filling stations. They're creating outdoor meeting spaces with heaters and shades so that they can be used year-round. And inside, they're investing in the best available HVAC systems for air filtration."I'm learning at all this stuff as we go, but we're looking at hospital grade stuff. The perspective we took is there's always going to be flus and colds, so why not do these things that will help keep people from spreading disease," said Carr. In addition to having their own socially distanced desks, employees will have designated areas separate from visitors, including the kitchen. One building will be the epicenter of conference rooms so they can be easily cleaned more frequently."Certain things never change. You want to feel like you belong to something, you want to connect with people," said Carr. The company plans to break ground on its new campus in early September, with plans to complete the project in April 2021. 1916

Back-to-school shopping is an expensive chore in a normal year; this year is anything but normal. But with August upon us, stores are putting out back-to-school displays in anticipation of children needing to learn, whether in the classroom or at home.Two-fifths (40%) of parents with children in K-12 or college anticipate their children will be attending classes in a hybrid environment (both in-person and remote) in the fall of 2020, according to a new NerdWallet survey conducted online July 16-20 by The Harris Poll among over 600 parents. Planning for multiple scenarios could result in the need for increased back-to-school spending, but many may not have the extra money this year.Nearly half (47%) of parents expect they’ll spend less on back-to-school shopping than they otherwise would, due to the coronavirus pandemic, according to the survey. Of them, 40% say it’s because their household income has been affected by the pandemic and related economic effects.On the other hand, one-fifth (20%) of parents expect to spend more this year on back-to-school purchases than they otherwise would, due to the pandemic. Of them, 54% think they’ll be spending more to outfit a home learning environment, and 50% will be spending more to account for supplies for both in-person and at-home learning.“Saving on back-to-school shopping takes some strategizing in a normal school year, but this year poses unique challenges: Not only is it harder to know what students might need, but many families are eyeing big purchases to make remote learning easier, including electronics and desks,” says Kimberly Palmer, personal finance expert at NerdWallet. “At the same time, many families have less room in their budget to make new purchases because of the pandemic.”1. Shop for the short termWhether you’re spending less this year out of necessity or you’re anticipating having to spend more: Buy only what you need. If 2020 has taught us anything, it’s that well-laid plans can change. So purchase what you need to get the school year started and plan to supplement those purchases as the semester unfolds. You may find that some items get less expensive as the seasons change.“Unless you have your eye on a specific type of computer or another item that could sell out, it’s OK to wait to make your purchases until after the school year begins — in fact, that’s when you see many of the best deals,” Palmer says.2. Take advantage of credit card rewardsMore than half (53%) of parents who will back-to-school shop this year plan to use a credit card on those purchases, according to the survey. Putting your expenses on a cash-back credit card could put your money to work for you. You may even reap enough to cover next year’s back-to-school expenses entirely. Just make sure you’re able to pay off the balance each cycle, as interest can quickly negate any benefits.3. Check prices before and after shoppingPrice matching involves comparing identical items at other stores and asking a retailer to match a lower price. The trick may not make sense for a package of pencils, but for clothing, electronics and other higher-dollar items, a successful price match could save you tens of dollars, if not more.Check a retailer’s website for its price matching policy details. Many will also refund the price difference if you spot a cheaper price within a certain time frame after the purchase.4. Team up to buy in bulkRegardless of where your child is learning this fall, they’ll need supplies that other students are also after. By teaming up with other parents, you can purchase things like hand sanitizer and supplies for homework and note-taking in bulk. If your child’s teacher is reluctant to give out parents’ contact information, ask if they would send out yours in a group email so other parents can reach you if they’re interested in group savings.“With many parents focused on at-home learning, you can also find savings by teaming up with other families in your neighborhood on purchases,” Palmer says. “Some communities are forming ‘pandemic pods’ to share the burden of teaching at home and keep kids socialized — pooling school supplies across the pod can spread the expenses and make them more manageable.”5. Shop on tax-free holidaysSixteen states are having sales tax holidays in August 2020. Most of them last through a full weekend, and some even longer. Retailers that offer online ordering for in-store pickup may require you to order and pick up on those particular days to reap the tax-free benefits. The specifics of each state’s holiday vary, but generally, they allow you to purchase certain back-to-school items without paying sales tax.6. Practice and teach thriftinessIf money is very tight, your child might be able to reuse some of last year’s supplies such as their backpack or leftover pencils and notebooks. You can also shop secondhand on sites like Poshmark or thredUP for clothing throughout the school year. And don’t be afraid to ask for help — many schools are putting programs in place that help outfit homes with the technology needed for remote learning.If your child isn’t accustomed to having to make sacrifices like this, use them as a teachable moment. Older kids can learn the complexities of managing a budget, a tool they’ll need in adulthood, and younger ones can learn what saving money means and help you search for the lowest prices.“Some communities are also organizing online volunteer opportunities for high schoolers to help match up with elementary school children who need extra help, which can be a great way to provide learning opportunities to both age groups in a safe, free way,” Palmer adds. “This school year will be unlike any other, which means parents and children will have to get more creative with stretching their back-to-school budgets.”More From NerdWalletWhat to Know Before Laying Down Money for a MattressWhat to Buy (and Skip) in FebruaryHere’s When Everything Will Go on Sale in 2020Elizabeth Renter is a writer at NerdWallet. Email: elizabeth@nerdwallet.com. Twitter: @elizabethrenter. 6071